Finance Your Ground-Up Project with Flexible, Investor-Friendly Terms
At Clear To Close Capital, we provide new construction loans nationwide for real estate investors looking to build and scale.
Whether you’re developing your first project or expanding your portfolio, we offer strategic funding solutions for build-to-rent, spec homes, and custom construction projects — with flexible requirements and fast approvals.
Why Investors Choose Our New Construction Loans
- Nationwide Lending – All 50 States
- Programs for Beginner & Experienced Builders (ask us how)
- Build-to-Rent, Development, Spec Builds & Custom Homes
- 10–20% Down Payment (based on experience)
- Deferred Monthly Payments for 18–24 Months
- Interest Rates Starting at 8.99%
- Close Quickly with Streamlined Approval Process
- Loan Structuring Based on Project Strength
We help investors move from idea to completed project with confidence and capital.
What is a New Construction Loan?
A new construction loan is a short-term real estate financing solution used to fund ground-up property development—including land (in some cases), materials, labor, and overall construction costs—while focusing on the project’s viability, the builder’s experience, and the property’s future value (ARV). Funds are released in stages as construction progresses, helping investors manage cash flow efficiently throughout the build process.
Types of Projects We Fund
We provide funding for:
Build-to-Rent (BTR)
Develop rental properties designed for long-term cash flow and portfolio growth.
Custom Homes
Finance custom residential builds for investors or end buyers.
Spec Homes
Build properties to sell for profit in high-demand markets.
What We Offer
New Construction for Beginner Investors
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Don’t have experience? You may still qualify.
We offer programs for new investors with no prior construction experience when:
- You work with a qualified General Contractor
- The project meets our lending criteria
- You have the required reserves and credit profile
👉 Ask us how to qualify as a first-time builder
Loan Requirements & Terms
Whether this is your first deal or your fiftieth, we provide
- Loan Type: New Construction / Ground-Up Loan
- Loan Amount: Based on project scope
- Down Payment: 10–20% (based on experience)
- Interest Rates: Starting at 8.99%
- Payments: Deferred options for 18–24 months
- Credit Score: Minimum 660 required
- Reserves: Must show 15% of total build budget
- Experience: Not required in select programs
- Disbursement: Draw schedule based on construction progress
How It Works
How Our Construction Loan Process Works
Step 1
Submit Your Project
Provide key project details including your budget, timeline, contractor information, and full property specifications to ensure accurate evaluation and smooth processing.
Step 2
Get Approved & Structured
We evaluate your deal and structure a funding plan tailored to your build.
Step 3
Build & Draw Funds
Funds are released in stages as construction milestones are completed.
Step 4
Complete & Exit
Sell, refinance, or hold your completed property for long-term income.
Why Clear To Close Capital
We understand construction financing because we work directly with investors building real projects every day.
Our mission is to provide:
Clear and Transparent Terms:
Understand exactly what you’re getting with straightforward loan structures, no hidden fees, and full clarity at every stage of the financing process
Fast and Strategic Approvals:
Benefit from quick decision-making combined with a strategic review of your deal to ensure you secure the right funding without unnecessary delays
Flexible Programs for New and Experienced Investors:
Access adaptable financing options designed to support both first-time investors and seasoned professionals across a wide range of real estate strategies
Funding Solutions That Actually Make Your Deal Work:
Leverage smart, customized funding structures that align with your deal’s numbers, helping you maximize profitability and close with confidence
Ready to Build Your Next Project?
If you’re planning a new construction deal and need funding: